IDFC FIRST Bank

IDFC FIRST Wealth Credit Card

Dining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits.

Lifetime free
Visa

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Good

Lifetime free: no joining or annual fee
No forex markup
Open to self-employed applicants

Watch out for

Low base rate: 0.38% on everyday spends
Lounge visits need about ₹20,000 of spend a month
Can't be used on UPI (not a RuPay card)
High income bar: ₹3,00,000 a month

Who it's for: Anyone who wants a no-fee card for travel.
Skip it if: You mainly pay by UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.38% (base rate)
Online shopping: 0.38%
Fuel: 0%
Groceries: 0.38%
Travel: 1.25%
Bills and utilities: 0.13%
Dining and food delivery: 1.25%

Fees and charges

Joining fee: Free
Annual fee: Free
Fee waiver: Lifetime free: no joining or annual fee, no spend condition
Forex markup: 0%
Fuel surcharge waiver: 1% on fuel transactions of ₹200–₹5,000, up to ₹300 per statement cycle

Benefits and eligibility

Airport lounge: 4 domestic and 4 international airport visits a year (1 each a quarter, international via a DreamFolks card) plus 4 railway lounge visits; spend ₹20,000 in a calendar month to use them the next month.
Card network: Visa
UPI payments: No
Minimum income (salaried): ₹3,00,000 a month
Eligibility: Annual income ₹36 lakh or more (about ₹3,00,000/month). Income proof required (unsecured card); self-employed applicants can apply with ITR. Issuance at the bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by IDFC FIRST Bank.

What changed recently

From 26 Oct 2026UpcomingRewardsWorse for you
International spends will no longer earn reward points.
Before: 10X points (1.25% back) on international spends · After: No points on international spends
Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.
Bank's notice or terms
9 Sept 2026FeesBetter for you
No forex markup on international transactions.
Before: 1.5% + GST forex markup · After: 0% forex markup
Earlier markup from the bank's May 2026 cardholder notice.
Bank's notice or terms
1 Aug 2026OtherWorse for you
The monthly buy-one-get-one movie offer now needs ₹20,000 of card spend in the previous calendar month.
Before: No spend condition stated · After: ₹20,000 spend in the previous calendar month
Bank's notice or terms
18 Jun 2026RewardsBetter for you
10X points on dining, travel and international spends now apply from the first transaction instead of only after ₹20,000 spend in a billing cycle.
Before: 10X unlocked after ₹20,000 spend in a cycle · After: 10X on dining, travel and international from the first transaction
Bank's notice or terms
18 Jun 2026RewardsWorse for you
Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.
After: Points valid 24 months
The notice does not state the earlier validity.
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the IDFC FIRST Wealth Credit Card worth it in 2026?

Yes, as a no-fee card for travel: it costs nothing to keep. The catch: low base rate: 0.38% on everyday spends.

Is the IDFC FIRST Wealth Credit Card lifetime free?

Yes. The bank's fee schedule shows no joining fee and no annual fee.

Does the IDFC FIRST Wealth Credit Card work on UPI?

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

Does the IDFC FIRST Wealth Credit Card give airport lounge access?

4 domestic and 4 international airport visits a year (1 each a quarter, international via a DreamFolks card) plus 4 railway lounge visits; spend ₹20,000 in a calendar month to use them the next month.

What earns no rewards on the IDFC FIRST Wealth Credit Card?

No points on fuel, EMI transactions, fees and charges (and their GST), loan on card, balance transfer, cash withdrawals, or any transaction under ₹200, and none on international spends from 26 October 2026. Travel spends keep the 1.25% rate unless they're international transactions. Rent, government, wallet loads and education still earn 3 points per ₹200; insurance, utilities, railway and FASTag earn 1 point. The only published earning cap is on bonus points for flights and hotels booked in the bank's app (8,000 bonus points a calendar month), which the rates we show don't include.

Who can get the IDFC FIRST Wealth Credit Card?

The bank publishes a minimum income of ₹3,00,000 a month for salaried applicants. Self-employed people can apply: ITR accepted as income proof; ₹36 lakh a year. Annual income ₹36 lakh or more (about ₹3,00,000/month). Income proof required (unsecured card); self-employed applicants can apply with ITR. Issuance at the bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read IDFC FIRST Bank's own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on IDFC FIRST Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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